Patrick Gonzales Email & Phone Number

Sydney, New South Wales, Australia

Sydney, Australia

• Focus on the assessment of Residential broker and Business Lending applications.• Managed risk through careful analysis of business/self-employed revenue sources and business performance. This involves understanding the industry of companies as well as the history of performance to produce recommendations for credit directors. • Ensured clients/brokers were updated to maintain a high level of customer experience - whether the communication was through emails or phone conversations.• Liaised with internal stakeholders such as credit directors and associates to deliver the greatest chance of success for potential client applications.• Balanced the objectives of clients with the policies of the bank/banking industry (NCCP, BCOP) to produce mutually beneficial outcomes. This involved making recommendations to senior stakeholders that didn't always meet policy but still managed potential risks to the bank using appropriate mitigants.

Sydney, Australia

• Demonstrated accurate guidance to customers through meticulous knowledge of banking policy combined with making reasonable inquiries to their financial objectives.• Created a JavaScript based mind-map to increase efficiency and alleviate calculation pressure during a client conversation.

Sydney, Australia

• Combined specialized product knowledge in personal loans, accounts and credit cards with conversation skills to deliver excellent customer service and exceed sales targets.• Prioritized upholding National Consumer Credit Protection protocols when providing general advice to customers and their credit enquiries.

Hong Kong

Responsible for reporting foreign sovereign banks’ credit assessment in terms of asset quality, profitability, capitalization, and liquidity. Audited foreign Bank Balance Sheet statements to ensure internal NAB records are commensurate with annual reports.Successfully prepared an employee guide in conjunction with regular duties, detailing how to operate internal reporting programs and an outline of credit reporting procedures.

Sydney

Responsible for ideation and formulation of strategies focused on boosting productivity within key Australian sectors. Worked with small-to-medium enterprises to better understand core issues, and how to address them.Successfully delivered a group presentation to Deloitte stakeholders concerning the international student demographic with the potential for employment/networking with SMEs.

Candidate, Finance And Financial Management Services

Candidate for the Level 1 Exams

Bachelor Of Applied Finance And Economics

Activities and Societies: Economics Commerce and Finance Society, Macquarie Buddy, Global Leadership ProgramCoursework specialising.

Bachelor Of Economics And Finance

Background in Econometrics, International Macroeconomics and Portfolio Analysis whilst on exchange to the University of Hong Kong.

Bachelor Of Medical Science (Psychology) And Commerce (Economics)

Activities and Societies: Conversation group leader at Macquarie Centre for EnglishAs a psychology major, I lead a group research project.